Civic Intelligence

Community Capital of Vermont

EIN 04-3642655 • 501(c)3 • Barre, VT

Profile

To help small businesses and lower income entrepreneurs prosper through the provision of flexible business financing.

PO Box 342Barre, VT 05641

www.communitycapitalvt.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

75th percentile

0.32x

Higher debt load relative to assets than 75% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

94th percentile

2.65x

Higher debt load relative to revenue than 94% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Net Margin

27th percentile

-6.0%

Higher net margin than 27% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

72nd percentile

$113,519

Higher top officer pay than 72% of similar nonprofits.

Top officer pay equals 25.9% of source-year revenue.

501(c)3 • $1M-$5M nonprofits • Source year 2024

Asset Growth

44th percentile

1.6%

Faster asset growth than 44% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

77th percentile

35%

Faster revenue growth than 77% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets75th percentile

Assets

Up

$3,642,983

Up $56,249 (+1.6%) from 2023

Liabilities

Up

$1,161,208

Up $82,648 (+7.7%) from 2023

Net Assets

Down

$2,481,775

Down $26,399 (-1.1%) from 2023

Operations
Liabilities / Revenue94th percentileNet Margin27th percentile

Revenue

Up

$438,273

Up $112,746 (+35%) from 2023

Expenses

Down

$464,672

Down $25,824 (-5.3%) from 2023

Net Income

Up

-$26,399

Up $138,570 (+84%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth44th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$6.0M$4.0M$2.0M$0Assets 2010: $2,419,055Liabilities 2010: $223,498Net Assets 2010: $2,195,5572010Assets 2011: $2,268,451Liabilities 2011: $125,374Net Assets 2011: $2,143,0772011Assets 2012: $2,233,316Liabilities 2012: $115,602Net Assets 2012: $2,117,7142012Assets 2013: $2,605,210Liabilities 2013: $473,264Net Assets 2013: $2,131,9462013Assets 2014: $3,193,928Liabilities 2014: $903,121Net Assets 2014: $2,290,8072014Assets 2015: $4,232,804Liabilities 2015: $1,347,320Net Assets 2015: $2,885,4842015Assets 2016: $4,860,844Liabilities 2016: $1,879,006Net Assets 2016: $2,981,8382016Assets 2017: $4,820,205Liabilities 2017: $1,873,917Net Assets 2017: $2,946,2882017Assets 2018: $4,796,793Liabilities 2018: $2,140,304Net Assets 2018: $2,656,4892018Assets 2019: $4,703,186Liabilities 2019: $2,105,991Net Assets 2019: $2,597,1952019Assets 2020: $4,295,904Liabilities 2020: $1,852,913Net Assets 2020: $2,442,9912020Assets 2021: $4,326,394Liabilities 2021: $1,586,917Net Assets 2021: $2,739,4772021Assets 2022: $3,944,821Liabilities 2022: $1,325,939Net Assets 2022: $2,618,8822022Assets 2023: $3,586,734Liabilities 2023: $1,078,560Net Assets 2023: $2,508,1742023Assets 2024: $3,642,983Liabilities 2024: $1,161,208Net Assets 2024: $2,481,7752024

Highlighted filing

2024

Assets$3,642,983
Liabilities$1,161,208
Net Assets$2,481,775
Open 2024 Filing

Operations Trend

Revenue Growth77th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.5M$1.0M$500K$0-$500KExpenses 2010: $374,7902010Expenses 2011: $351,5382011Expenses 2012: $283,1292012Revenue 2013: $369,196Expenses 2013: $343,088Net Income 2013: $26,1082013Revenue 2014: $570,261Expenses 2014: $407,651Net Income 2014: $162,6102014Revenue 2015: $1,055,879Expenses 2015: $420,994Net Income 2015: $634,8852015Revenue 2016: $662,953Expenses 2016: $595,933Net Income 2016: $67,0202016Revenue 2017: $507,386Expenses 2017: $558,806Net Income 2017: -$51,4202017Revenue 2018: $447,711Expenses 2018: $690,567Net Income 2018: -$242,8562018Revenue 2019: $337,822Expenses 2019: $437,800Net Income 2019: -$99,9782019Revenue 2020: $363,623Expenses 2020: $517,827Net Income 2020: -$154,2042020Revenue 2021: $492,505Expenses 2021: $196,019Net Income 2021: $296,4862021Revenue 2022: $244,254Expenses 2022: $364,847Net Income 2022: -$120,5932022Revenue 2023: $325,527Expenses 2023: $490,496Net Income 2023: -$164,9692023Revenue 2024: $438,273Expenses 2024: $464,672Net Income 2024: -$26,3992024

Highlighted filing

2024

Revenue$438,273
Expenses$464,672
Net Income-$26,399
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$3,642,983
Liabilities
$1,161,208
Net assets
$2,481,775
Revenue
$438,273
Expenses
$464,672
Net income
-$26,399
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.64$1.16$2.48$0.44$0.46$0.03
2023Detailed filing. Detailed filing data is available for this year.$3.59$1.08$2.51$0.33$0.49$0.16
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.94$1.33$2.62$0.24$0.36$0.12
2021Detailed filing. Detailed filing data is available for this year.$4.33$1.59$2.74$0.49$0.20$0.30
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.30$1.85$2.44$0.36$0.52$0.15
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.70$2.11$2.60$0.34$0.44$0.10
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.80$2.14$2.66$0.45$0.69$0.24
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.82$1.87$2.95$0.51$0.56$0.05
2016Detailed filing. Detailed filing data is available for this year.$4.86$1.88$2.98$0.66$0.60$0.07
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.23$1.35$2.89$1.06$0.42$0.63
2014Detailed filing. Detailed filing data is available for this year.$3.19$0.90$2.29$0.57$0.41$0.16
2013Detailed filing. Detailed filing data is available for this year.$2.61$0.47$2.13$0.37$0.34$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.23$0.12$2.12$0.28
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.27$0.13$2.14$0.35
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.42$0.22$2.20$0.37
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jun 16, 2025
Return Version
2024v5.0
Gross Receipts
$438,273
Mission and Program Overview

Mission

To help small businesses and lower income entrepreneurs prosper through the provision of flexible business financing.

To help small businesses and lower income entrepreneurs prosper through the provision of flixible business financing.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,637,366$2,170,747▲ $533,381
Cash and Non-Interest-Bearing Accounts$1,361,601$973,703▼ $387,898
Savings and Temporary Cash Investments$509,955$339,061▼ $170,894
Accounts Receivable$49,224$80,856▲ $31,632
Prepaid Expenses and Deferred Charges$6,199$6,808▲ $609
Total Assets$3,586,734$3,642,983▲ $56,249
Other Assets Total$22,389$71,808▲ $49,419
Liabilities
Unsecured Notes Loans Payable$1,029,971$1,126,665▲ $96,694
Accounts Payable and Accrued Expenses$26,200$23,735▼ $2,465
Other Liabilities$22,389$10,808▼ $11,581
Total Liabilities$1,078,560$1,161,208▲ $82,648
Net Assets / Fund Balance
Net Assets With Donor Restrictions$2,124,200$2,084,263▼ $39,937
Net Assets Without Donor Restrictions$383,974$397,512▲ $13,538
Total Net Assets Fund Balance$2,508,174$2,481,775▼ $26,399
Total Liabilities and Net Assets / Fund Balance$3,586,734$3,642,983▲ $56,249

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings-$14,963$14,963
Equipment-$540$540
Compensation and Service Providers
Top Officer Pay72nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Alexander RobExecutive DiFT$113,519$113,519

Board Members and Trustees

NameTitle
Heather HurlbertPresident
Nate MessierBoard Member
Kimberly RupeSecretary
Mary ChevalierTreasurer
Ronda BernsVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$195,149
Program Service Revenue
$196,520
Investment Income
$43,533
Other Revenue
$3,071
Change in Net Assets
$-26,399

Audited Revenue Reconciliation

Revenue per Audited Statements
$438,273
Total Revenue per Audited Statements
$438,273
Total Revenue per Form 990
$438,273
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$258,691
Salaries, Compensation, and Employee Benefits$205,981
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$80,342$98,455-$178,797
Fees for Services Accounting-$29,750-$29,750
Interest$15,009--$15,009
Payroll Taxes$6,532$7,446-$13,978
Other Employee Benefits$10,189$3,017-$13,206
Occupancy$7,186$5,204-$12,390
Information Technology$6,826$4,943-$11,769
Fees for Services Other$9,478--$9,478
Advertising-$7,760-$7,760
Fees for Services Legal$6,183--$6,183
Insurance-$5,334-$5,334
Office Expenses$2,951$2,137-$5,088
All Other Expenses$3,337$885-$4,222
Travel$3,736--$3,736
Other Expenses$3,533$3,884-$3,533
Total Functional Expenses$295,857$168,815$0$464,672

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$464,672
Total Expenses per Audited Statements$464,672
Total Expenses per Form 990$464,672
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Operating Lease Liability$10,808
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

“The executive director and board of directors review the form 990.”

Form 990, Page 6, Part VI, Line 12C

“There are orientations for new board members, staff and loan committee members. Board members are asked on an annual basis to review and sign the conflict of interest policy. The board chair and executive committee are alert to possible violations of the policy and there is periodic review at board and staff meetings.”

Form 990, Page 6, Part VI, Line 15A

“The board determines and approves the executive director's compensation.”

Form 990, Page 6, Part VI, Line 19

“The organization's governing documents, conflict of interest policy and financial statements are made available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Community Capital of Vermont
EIN
04-3642655
Phone
8024790167
Address
PO BOX 342, BARRE, VT 05641

Signing Officer

Name
Alexander Rob
Title
Executive Director
Phone
8024790167
Signed
2025-06-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Alexander Rob
Formed
2001
Voting Board Members
5
Independent Board Members
5
Employees
2
Volunteers
13

Preparer

Firm
Kittell Branagan & Sargent
Address
154 N MAIN ST, ST ALBANS, VT 05478
Preparer
Robin Barnett CPA
Phone
8025249531
Supplemental Narrative

Financial Statement Notes

Schedule D, Page 3, Part X

“Community capital of vermont, inc. Is a nonprofit organization as described in section 501(c)(3) of the internal revenue code, and is exempt from federal income taxes on income related to its exempt purpose. The organization believes that it has appropriate support for any tax positions taken and, as such, does not have any uncertain tax positions that are material to the financial statements.”

Raw XML AppendixShowing 400 of 409 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0COMMUNITY CAPITAL OF VERMONT, INC. IS A NONPROFIT ORGANIZATION AS DESCRIBED IN SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE, AND IS EXEMPT FROM FEDERAL INCOME TAXES ON INCOME RELATED TO ITS EXEMPT PURPOSE. THE ORGANIZATION BELIEVES THAT IT HAS APPROPRIATE SUPPORT FOR ANY TAX POSITIONS TAKEN AND, AS SUCH, DOES NOT HAVE ANY UNCERTAIN TAX POSITIONS THAT ARE MATERIAL TO THE FINANCIAL STATEMENTS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 3, PART X
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE EXECUTIVE DIRECTOR AND BOARD OF DIRECTORS REVIEW THE FORM 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THERE ARE ORIENTATIONS FOR NEW BOARD MEMBERS, STAFF AND LOAN COMMITTEE MEMBERS. BOARD MEMBERS ARE ASKED ON AN ANNUAL BASIS TO REVIEW AND SIGN THE CONFLICT OF INTEREST POLICY. THE BOARD CHAIR AND EXECUTIVE COMMITTEE ARE ALERT TO POSSIBLE VIOLATIONS OF THE POLICY AND THERE IS PERIODIC REVIEW AT BOARD AND STAFF MEETINGS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD DETERMINES AND APPROVES THE EXECUTIVE DIRECTOR'S COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST.
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ALEXANDER ROB
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum08024790167
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-06-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0COMMUNITY CAPITAL OF VERMONT
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ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0KITTELL BRANAGAN & SARGENT
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0ST ALBANS
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